Credit Union Safety Analysis
Is Energy Capital Credit Union Safe? Houston, Texas
Based on its Q2 2026 NCUA 5300 call report, Energy Capital Credit Union has a net worth ratio of 9.59%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.64%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Energy Capital Credit Union's net worth ratio is 9.59%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 9.59%
- Delinquency ratio (60+ days) (Q2 2026): 0.64%
- Return on assets (Q2 2026): 0.34%
- Loan-to-share ratio (Q2 2026): 94.24%
Energy Capital Credit Union (NCUA charter 61936, established 1935) reported $261.4M in assets and 19,323 members for Q2 2026 from Houston, Texas. It ranks 87 of 377 credit unions in Texas by total assets. Total assets grew 3.1% from $253.6M on June 30, 2025. It has 519 more members than on June 30, 2025 (+2.8%). Its net worth ratio was down 0.86 percentage points from 10.45% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $65.3M of $216.0M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.64% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 9.70% for Q1 2026; 10.45% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.65% for Q1 2026; 1.09% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: -2.17% for Q1 2026; 0.00% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 89.38% for Q1 2026; 95.02% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $65.3M
- Used vehicle loans: $57.3M
- New vehicle loans: $54.7M
- Other secured non-real estate loans and lines of credit: $24.6M
- Other unsecured loans and lines of credit: $9.7M
- Unsecured credit card loans: $4.5M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $261.4M | 9.59% | 0.64% | 0.34% | 94.24% |
| March 31, 2026 | $261.2M | 9.70% | 0.65% | -2.17% | 89.38% |
| December 31, 2025 | $261.5M | 10.23% | 1.06% | 0.17% | 87.25% |
| September 30, 2025 | $254.4M | 10.48% | 1.01% | 0.22% | 91.58% |
| June 30, 2025 | $253.6M | 10.45% | 1.09% | 0.00% | 95.02% |
| March 31, 2025 | $253.1M | 10.68% | 0.90% | 0.31% | 90.03% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Energy Capital Credit Union profile
Regulator records: NCUA credit union profile (charter 61936) · FFIEC NIC profile (RSSD 817794)
Frequently asked questions
Is Energy Capital Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Energy Capital Credit Union's net worth ratio is 9.59%, above the 7% NCUA threshold for well capitalized.
Is Energy Capital Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Energy Capital Credit Union is a federally insured credit union (NCUA charter 61936): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Energy Capital Credit Union's key safety ratios?
For Q2 2026, Energy Capital Credit Union reports net worth 9.59%, delinquency 0.64%, ROA 0.34%, loan-to-share 94.24%.
What happens to my money if Energy Capital Credit Union fails?
For Q2 2026, Energy Capital Credit Union held $229.2M in shares and deposits for 19,323 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.